Ravinder Kaur Nagra
Calgary,AB
Summary
Experienced financial professional with 15+ years in financial planning, mortgage lending, and client relationship management. Eager to join the RBC team as an Alternate Mortgage Solutions Specialist to utilize acquired skills in delivering personalized mortgage solutions and exceptional client service, contributing to the ongoing success of the organization.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Senior Financial Advisor
Scotiabank
01.2022 - 03.2024
- Achieved over 200% Annual Sales Target in year 2023
- Crafted asset allocation strategies, boosting client portfolio performance
- Executed equity research, uncovering undervalued assets with growth potential
- Delivered expert mortgage advice and managed end-to-end mortgage application process, securing optimal financing solutions for clients
- Forged strong client relationships, delivering bespoke financial solutions
- Collaborated on credit applications, enhancing policy and procedural standards
- Offered financial and estate planning, ensuring regulatory compliance
Banking Advisor
RBC Royal Bank
06.2019 - 12.2021
- Contacted prospective clients to generate new loans, deposits, and business to achieve company production goals.
- Acquired collateral documents to be utilized as security on loans in accordance with banking policies.
- Proactively engaged customers to understand and fulfill their financial needs with targeted advice on products and services.
- Evaluated clients' credit data and financial statements to assess lending risks accurately.
- Managed high-value clients' wealth, delivering tailored financial advice.
- Supported senior credit officers in complex loan applications and portfolio monitoring.
- Served as branch expert on mortgage lending, advising clients on mortgage products and processing loan applications.
Client Advisor
RBC Royal Bank
09.2017 - 06.2019
- Sought out appropriate management in more complex financial matters
- Adhered to AML/BSA requirements, audit procedures, and other regulated banking activity.
- Delivered exceptional service experiences, efficiently completed transactions, and identified opportunities for tailored advice and solutions.
- Managed risks by strictly adhering to compliance routines, processes, and controls.
Customer Service Representative
Walmart
07.2017 - 01.2019
- Responded to customer requests for products, services, and company information.
- Cross-trained and backed up other customer service managers.
- Managed timely and effective replacement of damaged or missing products.
- Reduced process inconsistencies and effectively trained team members on best practices and protocols.
Manager of Accounts and Finance
Vardhman Polytex Limited
04.2010 - 05.2017
- Processed payroll for employees and reported payroll taxes for organization.
- Analyzed monthly balance sheets, income statements and cash flow information and wrote up reports.
- Processed vendor payments, invoices and account statements.
- Supported year-end audits by preparing physical and digital records for review.
Education
MBA - Finance And Marketing
Punjab Technical University
Jalandhar, India05.2010
Bachelor of Arts - Mathematics
Punjabi University
Patiala, India05.2007
Skills
- Equity research
- Investment advice
- Retirement needs tool
- Asset Allocation
- Estate Planning
- Portfolio Management
- Microsoft Excel
- Mortgage Lending
- Financial Planning
- Cash Flow Management
- Investment strategies
- Financial strategies
- Verbal and written communication
- Client service and support
- Sales and Marketing
Accomplishments
Scotiabank:
· Quarterly Top Performer Q1 2024
· Quarterly Top Performer Q1 2023, Q2 2023, Q3 2023 and Q4 2023
· Quarterly Top Performer Q4 2023
· Best of the Best (Top Performer) Award 2023
· Quarterly Top Performer Q4 2022
RBC Royal Bank of Canada
· Quarterly Top Performer Q2 2019
Languages
English
Full Professional
Hindi
Full Professional
Punjabi
Native or Bilingual
Certification
RECA Alberta
License – Mortgage Brokers License In Progress
Canadian Security Institute
Certificate – Canadian Securities Course In Progress
Canadian Security Institute
Certificate - Financial Planning II Jan 2023
Canadian Security Institute
Certificate – Financial Planning I Oct 2021
Canadian Security Institute
Certificate - Personal Financial Services Advice Aug 2021
Investment Funds Institute of Canada
Certificate - Mutual Funds Nov 2018
Timeline
Senior Financial Advisor
Scotiabank
01.2022 - 03.2024
Banking Advisor
RBC Royal Bank
06.2019 - 12.2021
Client Advisor
RBC Royal Bank
09.2017 - 06.2019
Customer Service Representative
Walmart
07.2017 - 01.2019
Manager of Accounts and Finance
Vardhman Polytex Limited
04.2010 - 05.2017
MBA - Finance And Marketing
Punjab Technical University
Bachelor of Arts - Mathematics
Punjabi University
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